# 2 Wrecks in 3 months!HELP!!
**URL:** https://forums.speedlife.net/t/2-wrecks-in-3-months-help/244811
**Category:** Shift518 Automotive
**Created:** [June 16, 2009, 12:06pm UTC](https://forums.speedlife.net/t/2-wrecks-in-3-months-help/244811 "2009-06-16T12:06:56Z")
**Posts on this page:** 17
**Page:** 1
### Author:  [@bobbyt](https://forums.speedlife.net/u/bobbyt)
#### Post date: [June 16, 2009, 12:06pm UTC](https://forums.speedlife.net/t/2-wrecks-in-3-months-help/244811/1 "2009-06-16T12:06:56Z")
Ok back in March I recked my 07 s2000 into a gardrail.It was a total loss of 25k and my insurance covered it thank god!I was paying 150 a month with full coverage.After the reck it has shot up to 216 with shit coverage.Well three months later a deer ran out in front of my 02 s2k and now it has 4k in damage.If I claim it will Progressive drop me?Will my insurance ski rocket more?Im lucky I have insurance but the last 3 months have been hell.Any help would be great THANKS!
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### Author:  [@deadbeatrec](https://forums.speedlife.net/u/deadbeatrec)
#### Post date: [June 16, 2009, 12:23pm UTC](https://forums.speedlife.net/t/2-wrecks-in-3-months-help/244811/2 "2009-06-16T12:23:31Z")
kill yourself.
/thread
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### Author:  [@Alpine](https://forums.speedlife.net/u/Alpine)
#### Post date: [June 16, 2009, 12:25pm UTC](https://forums.speedlife.net/t/2-wrecks-in-3-months-help/244811/3 "2009-06-16T12:25:59Z")
Go after the deer’s insurance company…
/thread
The logical thing to do would be to call Progressive and simply ask them… Posting here is going to be of little to no help as we are not an insurance company but rather a mere source of internet comedy.
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### Author:  [@OsoiNA6](https://forums.speedlife.net/u/OsoiNA6)
#### Post date: [June 16, 2009, 12:26pm UTC](https://forums.speedlife.net/t/2-wrecks-in-3-months-help/244811/4 "2009-06-16T12:26:32Z")
> [@JuicedGT...No longer "juiced"...](https://forums.speedlife.net/t/juicedgt-no-longer-juiced/19432/17):
>
> Ok back in March I recked my 07 s2000 into a gardrail.It was a total loss of 25k and my insurance covered it thank god!I was paying 150 a month with full coverage.After the reck it has shot up to 216 with shit coverage.Well three months later a deer ran out in front of my 02 s2k and now it has 4k in damage.If I claim it will Progressive drop me?Will my insurance ski rocket more?Im lucky I have insurance but the last 3 months have been hell.Any help would be great THANKS!
Depends on a lot of factors… I’m assuming you are under 25, so your rates will probably go up quite a bit.
Evaluate from a cost standpoint… If the damage is 4k, then assuming your rate goes up by 150 a month (pretty big amount but hey it’s a guess), then it would take 4000/150, or about 27 months for the increase in insurance to “cover” that payment.
That’s all just a guess but you can see where I am going with this.
If the increase in rate is substantial, think of how long it will take for it to reach 4000 in damages. If that length of time is longer than you intend to keep the car, then have insurance cover it and suck up the estimated increase…
If you intend to pay the 4000 up front to avoid going through insurance altogether, be sure to include the true cost as in any interest you pay in loans, whatever if you are borrowing that money to have it repaired.
That being said, 4k is a pretty big chunk to eat up on your own… Yet with your recent crashes insurance may really go up a lot too. Best of luck…
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### Author:  [@deadbeatrec](https://forums.speedlife.net/u/deadbeatrec)
#### Post date: [June 16, 2009, 12:28pm UTC](https://forums.speedlife.net/t/2-wrecks-in-3-months-help/244811/5 "2009-06-16T12:28:14Z")
> [@JuicedGT...No longer "juiced"...](https://forums.speedlife.net/t/juicedgt-no-longer-juiced/19432/21):
>
> kill yourself.
>
> /thread
+1
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### Author:  [@SRS\_BZNS](https://forums.speedlife.net/u/SRS_BZNS)
#### Post date: [June 16, 2009, 1:10pm UTC](https://forums.speedlife.net/t/2-wrecks-in-3-months-help/244811/6 "2009-06-16T13:10:12Z")
I know for a fact progressive will not allow you to renew on your next statement, but progressive is expensive. They did it to me for 2 speding tickets and a wreckless driving and gieco took me and was like 1/2 the price of progressive for better coverage haha
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### Author:  [@g60](https://forums.speedlife.net/u/g60)
#### Post date: [June 16, 2009, 1:27pm UTC](https://forums.speedlife.net/t/2-wrecks-in-3-months-help/244811/7 "2009-06-16T13:27:33Z")
You hitting the guardrail is a collision claim. You hitting a deer should be covered under comprehensive. Comprehensive is for things you can not prevent (theft,vandalism, acts of nature). Insurance companies really frown on collision claims but will let a few comp claims slide. I would put the $4k claim in for sure (that is why you pay for insurance). If they drop you shop around for another company. As long as you don’t have tickets and accidents on your driver abstract or bad credit you should have no trouble getting a rate similar to what you have now with Progressive. Hell shop for rates now and see what you get. I wouldn’t wait too long before filing a claim though.
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### Author:  [@SSmokinn\_SS](https://forums.speedlife.net/u/SSmokinn_SS)
#### Post date: [June 16, 2009, 1:30pm UTC](https://forums.speedlife.net/t/2-wrecks-in-3-months-help/244811/8 "2009-06-16T13:30:22Z")
The S2k have too much torque to keep straight and hit the guard rail???
lol jk. I didnt know you crashed it?? I saw johnny the other day on the highway…his s2k looks nice.
Theirs also a guy that lives near me that has a silver, hard top s2k with black rims. Havent met him yet but I see the car parked outside the apartment all the time.
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### Author:  [@offroadzj](https://forums.speedlife.net/u/offroadzj)
#### Post date: [June 16, 2009, 3:29pm UTC](https://forums.speedlife.net/t/2-wrecks-in-3-months-help/244811/9 "2009-06-16T15:29:40Z")
take it from experience, progressive sucks ass. My family and I have had them for over 25 years and have NEVER had a problem with them. I had 3 accidents which totalled 3 cars (2 of which were actualy the same car) all within a month and a half and my rates never went up. Now progressive on the other hand, the drunk driver that hit our house has them and they are willing to cover only $200 for our grill and now we have to go after the guy for the other $4k.
just my .02
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### Author:  [@dc2nick](https://forums.speedlife.net/u/dc2nick)
#### Post date: [June 16, 2009, 4:23pm UTC](https://forums.speedlife.net/t/2-wrecks-in-3-months-help/244811/10 "2009-06-16T16:23:50Z")
Stop waisting S2000’s!
buy a beater
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### Author:  [@Hooked\_on\_240](https://forums.speedlife.net/u/Hooked_on_240)
#### Post date: [June 16, 2009, 4:26pm UTC](https://forums.speedlife.net/t/2-wrecks-in-3-months-help/244811/11 "2009-06-16T16:26:01Z")
> [@Who's up for some kayaking!](https://forums.speedlife.net/t/whos-up-for-some-kayaking/19437/3):
>
> Go after the deer’s insurance company…
>
> /thread
Makes total sence to me :excited
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### Author:  [@w.tungsten](https://forums.speedlife.net/u/w.tungsten)
#### Post date: [June 16, 2009, 5:04pm UTC](https://forums.speedlife.net/t/2-wrecks-in-3-months-help/244811/12 "2009-06-16T17:04:44Z")
Sucks to hear that, but you should sell me S2000 parts to cover your rising insurance cost.
-Engine
-Tranny
-ECU
-Wiring Harness
or whatever’s left of the car. Not joking so if you still have either car PM me.
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### Author:  [@plaf713](https://forums.speedlife.net/u/plaf713)
#### Post date: [June 16, 2009, 6:02pm UTC](https://forums.speedlife.net/t/2-wrecks-in-3-months-help/244811/13 "2009-06-16T18:02:48Z")
> [@JuicedGT...No longer "juiced"...](https://forums.speedlife.net/t/juicedgt-no-longer-juiced/19432/22):
>
> +1
oohhh man, you make me laugh
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### Author:  [@JVG](https://forums.speedlife.net/u/JVG)
#### Post date: [June 16, 2009, 7:07pm UTC](https://forums.speedlife.net/t/2-wrecks-in-3-months-help/244811/14 "2009-06-16T19:07:13Z")
insurance will always go up every time a claim is made as your proving yourself as a liability.
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### Author:  [@JVG](https://forums.speedlife.net/u/JVG)
#### Post date: [June 16, 2009, 7:08pm UTC](https://forums.speedlife.net/t/2-wrecks-in-3-months-help/244811/15 "2009-06-16T19:08:13Z")
eventually usually 3-5 incidents depending on severity a company could and might drop you but theres always another company that will offer u coverage
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### Author:  [@MX-5](https://forums.speedlife.net/u/MX-5)
#### Post date: [June 16, 2009, 7:15pm UTC](https://forums.speedlife.net/t/2-wrecks-in-3-months-help/244811/16 "2009-06-16T19:15:00Z")
> [@Who's up for some kayaking!](https://forums.speedlife.net/t/whos-up-for-some-kayaking/19437/3):
>
> Go after the deer’s insurance company…
>
> /thread
>
> The logical thing to do would be to call Progressive and simply ask them… Posting here is going to be of little to no help as we are not an insurance company but **rather a mere source of internet comedy**.
true true, but there is some good advice here and there
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### Author:  [@Mike3](https://forums.speedlife.net/u/Mike3)
#### Post date: [June 16, 2009, 7:38pm UTC](https://forums.speedlife.net/t/2-wrecks-in-3-months-help/244811/17 "2009-06-16T19:38:38Z")
epic return of bobbyt